Date Received: 2017-10-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Told on XXXX/XXXX/XXXX I am not entitled to new acct incentive despite meeting all requirements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2017-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account XXXX was placed with a law firm. I settled this matter XXXX weeks ago for XXXX and SunTrust still showing balance is owed. Balance needs to show settled!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XXXX XXXX 2017 opened account with, XXXX XXXX XXXX XXXX. they started running hard inquiries they did three in one a month, two on same day XXXX XXXX 2017 and shared my information with suntrust bank that ran a hard inquiry with out my permission contacted XXXX XXXX to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92410
Submitted Via: Web
Date Sent: 2017-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-29
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX XXXX has stated that I received refund/stipend checks in excess of $ 49K in addition to the cost of attendance, which also include refund checks in that amount. I do n't feel this is correct and I need assistance with obtaining all checks I cashed from XXXX XXXX during XXXX-XXXX. I do not have an account with Suntrust. I cashed the checks from XXXX XXXX because this was the name on the refund checks they mailed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/XXXX Overdraft Fee for XXXX XXXX ( {$5.00} ) {$36.00} XX/XX/XXXX Overdraft Fee for XXXX ( {$10.00} ) {$36.00} XX/XX/XXXX Extended Overdraft Fee {$36.00} Regarding the XX/XX/XXXX fees assessed. I had a balance of {$10.00}. When I was made aware I had overspent by a XXXX, I transferred a XXXX to the account from a payroll card provided to me by my employer. Due to the normal processing time, the transaction posted prior to my deposit. I reached out to Suntrust to reverse the fee as I would not be receiving a new deposit for a week and they refused. Because of this I was assessed 2 fees. One of which for extended Overdraft on account of the XXXX difference. Most recently I had a transaction that settled in the morning preceding my deposit by a few hours. It posted to my account showing a current balance of {$5.00} remaining. However due to pending transactions that had not yet been processed affecting my available balance, Suntrust assessed an Overdraft Fee. I contacted them to reverse this fee and the rep and supervisor I spoke with informed me the fee is assessed based on the available balance not the current balance. I found this to not be sensible but was advised there was nothing more they could do but to cancel my overdraft protection which I authorized them to do. They would not refund the fee however.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: When I declined the overdraft coverage for my account I never got a letter in the mail or any other notification to let me know that opting out of the overdraft coverage did not protect me from overdraft fees on reoccurring purchases. The bank, SunTrust bank, will not take responsibility for not notifying their customer and has decided to charge me for the fees that I opted out of anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First, SunTrust bank refuses to allow mortgage clients to email or upload their insurance information. NO ONE uses paper and fax machines XXXX XXXX, except apparently SunTrust. They are not capable of using email to communicate and you can not email or upload insurance information. Second, SunTrust received my master condo flood policy weeks ago, but refuses to update my account accordingly. Third, SunTrust threatens to force place flood coverage on my condo for the outrageous premium amount of {$5900.00}! The entire condo carries a {>= $1,000,000} master flood policy, with a premium of {$60000.00}. I owe SunTrust {$69000.00}. The max coverage per home is {$250000.00}. Even if {$250000.00} coverage had to be placed, THERE IS NO WAY IT CAN COST {$5900.00} PER YEAR. SUN TRUST IS CLEARLY TRYING TO GET AWAY WITH ROBBING THEIR CUSTOMERS. THIS IS HAPPENING IN A FEMA DECLARED DISASTER AREA DUE TO HURRICANE IRMA! UNCONSCIONABLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We had a loan with Suntrust mortgage. We ran into personal issues and I left my job as a Nurse to care for my mother. We called Suntrust they offered a XXXX modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by Suntrust. But the XXXX payment is showing on time. We had a full offer on our home and Suntrust gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. Suntrust said we never completed the XXXX Modification process. The loan modification process was started XX/XX/XXXX, We sold our home XX/XX/XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with Suntrust. When on XX/XX/XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, XXXX and XXXX. This has been a nightmare. We are trying to get into a less expensive home. Suntrust refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX/XXXX/XXXX SUNTRUST, my bank took out an overdraft charge when I had sufficient funds in the account for the purchase in question. I had {$53.00} in the account and I made a purchase of {$41.00} and the bank applied a {$36.00} overdraft fee for that transaction. Had that overdraft fee not been applied unwarrantedly then my next purchase that cleared for {$10.00} would not have taken me into the negative either because I had {$11.00} in the account still. I DID overdraft the account at that point. I had not realized that I was in the negative and made an XXXX XXXX purchase which I over drafted for and since then they have charged me two more overdraft fees for a grand total of a negative balance of - {$110.00}. I do not understand why i was charged the initial overdraft when there was clearly enough money in the account to cover it. Also, I have never heard of an extended overdraft fee and I have been charged an ADDITIONAL {$36.00} for not bringing my account balance to XXXX within 5 days. Last I checked most of middle class and poor Americans like myself get paid every two weeks. And how can a bank punish someone further for not getting their account back to XXXX QUICK enough?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX. The bank never sent a PIN to allow me to activate my debit card. After incorrect information from the bank 's XXXX service center and continued failure to send a PIN so we could use the debit card, I 've call a third time and been assured that " it 's in the mail. '' XXXX. We received a paper statement today and a fee for {$3.00}, despite verified account options indicating that we had elected paperless statements. While the agent has processed a refund, she indicated that it was my fault for not opting into paperless statements -- despite my having proof from my phone app that paperless statements were enabled. She also stated that the default option for all customers is paper statements with a fee, unless a customer opts in to a paperless statement. I think this default should be changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A